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Territorial Bancorp (TBNK)
The export includes the complete available history of financial statements and ratios. Numbers are provided in full, without million or billion abbreviations, in their original reporting units.
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Territorial Bancorp Financial Ratios 2024-2008 | TBNK
Brief overview of Territorial Bancorp 's multiples and efficiency
This overview follows the five latest available observations from 2019 through 2023.
Key multiples at the end of the period are P/E 14.12x (median 12.54x), P/B 0.29x (median 0.69x), P/CF 8.6x (median 12.77x). The combined multiple level is about 32.7% below the company's historical norm, suggesting more cautious expectations.
The 1/P/E calculation produces a 7.1% earnings yield. It does not capture future growth or capital structure.
End-period return metrics are ROE -1.7%, ROA -0.2%, ROCE 3.2%. Returns below zero mean resources are not producing positive profit. Recovery in operating results is the main reference point.
On PEG (0.84x), valuation is restrained relative to growth, but one ratio cannot replace cash-flow and risk analysis.
For financial institutions, P/B, ROE and ROA are particularly relevant, while EV/EBITDA and ordinary liquidity ratios have limited comparability.
What the ratios show
Territorial Bancorp trades below its own history, but weak profitability may explain the discount. Low multiples alone do not prove undervaluation.
Annual Financial Ratios Territorial Bancorp
| 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | 2009 | 2008 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| -16.8 | 14.1 | 10.9 | 13.1 | 11.7 | 12.5 | 13.3 | 18.8 | 18.1 | 16.4 | 14.2 | 14.9 | 15.5 | 17.6 | - | - | - | |
P/S |
45.5 | 44.2 | 51.5 | 71.7 | 3.4 | 4.2 | 4.1 | 4.5 | 4.7 | 3.9 | 3.4 | 3.7 | 4.0 | 4.0 | - | - | - |
EPS |
-0.5 | 0.6 | 1.8 | 1.9 | 2.0 | 2.4 | 2.1 | 1.6 | 1.8 | 1.6 | 1.5 | 1.5 | 1.5 | 1.2 | 1.0 | 0.8 | - |
EV (Enterprise Value) |
1.87 B | 1.93 B | 2.05 B | 2 B | 1.72 B | 2.07 B | 2.04 B | 2.02 B | 1.88 B | 1.78 B | 1.6 B | 1.55 B | 1.4 B | 1.42 B | 1.02 B | -136 M | -11.2 M |
EBITDA per Share |
0.11 | 0.13 | 0.13 | 0.13 | 7.22 | - | - | - | - | - | - | - | - | - | 0.09 | 0.08 | - |
EV/EBITDA |
1956.1 | 1765.7 | 1734.5 | 1738.4 | -0.1 | - | - | - | - | - | - | - | - | - | 1011.5 | -144.2 | - |
PEG |
- | - | - | - | -0.8 | 0.84 | 0.46 | -1.79 | 1.73 | 2.51 | 10.73 | 5.47 | 0.66 | 0.79 | - | - | - |
P/B |
0.3 | 0.3 | 0.7 | 0.9 | 0.9 | 1.1 | 1.1 | 1.2 | 1.3 | 1.1 | 0.9 | 1.0 | 1.1 | 1.1 | - | - | - |
P/CF |
-9.6 | 8.6 | 10.6 | 18.3 | 24.4 | 12.8 | 12.0 | 15.3 | 16.2 | 14.6 | 15.3 | 14.4 | 14.0 | 11.9 | - | - | - |
ROE % |
-1.73 | 2.00 | 6.30 | 6.80 | 7.48 | 9.02 | 8.17 | 6.37 | 7.11 | 6.71 | 6.51 | 6.90 | 6.78 | 5.98 | 4.85 | 3.94 | - |
ROA % |
-0.20 | 0.22 | 0.74 | 0.82 | 0.88 | 1.05 | 0.93 | 0.75 | 0.87 | 0.81 | 0.83 | 0.91 | 0.94 | 0.83 | 0.76 | - | - |
ROCE % |
- | - | - | - | 3.17 | - | - | - | - | - | - | - | - | - | - | - | - |
Current Ratio |
1.1 | 1.1 | 1.1 | 1.1 | 11.2 | 1.7 | 1.7 | 1.0 | 2.0 | 1.9 | 2.4 | 2.6 | 6.9 | 5.2 | 1.2 | - | - |
DSO |
1370.8 | 1388.6 | 635.1 | 703.7 | 36.9 | 29.7 | 30.6 | 39.1 | 28.4 | 27.8 | 27.6 | 26.8 | 27.5 | 30.8 | - | - | - |
DPO |
394.2 | 416.2 | 383.9 | 428.4 | - | - | - | - | - | - | - | - | - | - | 198.4 | - | - |
Operating Cycle |
1370.8 | 1388.6 | 635.1 | 703.7 | - | - | - | - | - | - | - | - | - | - | - | - | - |
Cash Conversion Cycle |
976.6 | 972.4 | 251.2 | 275.3 | - | - | - | - | - | - | - | - | - | - | -198.4 | - | - |
Annual performance
Select metrics to display
All numbers in USD currency
Quarterly Financial Ratios Territorial Bancorp
| 2024-Q3 | 2024-Q2 | 2024-Q1 | 2023-Q4 | 2023-Q3 | 2023-Q2 | 2023-Q1 | 2022-Q4 | 2022-Q3 | 2022-Q2 | 2022-Q1 | 2021-Q4 | 2021-Q3 | 2021-Q2 | 2021-Q1 | 2020-Q4 | 2020-Q3 | 2020-Q2 | 2020-Q1 | 2019-Q4 | 2019-Q3 | 2019-Q2 | 2019-Q1 | 2018-Q4 | 2018-Q3 | 2018-Q2 | 2018-Q1 | 2017-Q4 | 2017-Q3 | 2017-Q2 | 2017-Q1 | 2016-Q4 | 2016-Q3 | 2016-Q2 | 2016-Q1 | 2015-Q4 | 2015-Q3 | 2015-Q2 | 2015-Q1 | 2014-Q4 | 2014-Q3 | 2014-Q2 | 2014-Q1 | 2013-Q4 | 2013-Q3 | 2013-Q2 | 2013-Q1 | 2012-Q4 | 2012-Q3 | 2012-Q2 | 2012-Q1 | 2011-Q4 | 2011-Q3 | 2011-Q2 | 2011-Q1 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
EPS |
-0.15 | -0.09 | -0.06 | - | 0.1 | 0.17 | 0.26 | - | 0.26 | 0.46 | 0.52 | - | 0.46 | 0.44 | 0.55 | 0.61 | 0.47 | 0.47 | 0.48 | 0.54 | 0.58 | 0.55 | 0.71 | 0.5 | 0.52 | 0.54 | 0.52 | 0.23 | 0.45 | 0.46 | 0.47 | 0.48 | 0.46 | 0.45 | 0.42 | 0.41 | 0.41 | 0.42 | 0.39 | 0.37 | 0.38 | 0.41 | 0.38 | 0.37 | 0.4 | 0.37 | 0.37 | 0.38 | 0.36 | 0.38 | 0.35 | 0.33 | 0.28 | 0.31 | 0.27 |
EBITDA per Share |
0.08 | 0.06 | 0.03 | - | 0.1 | 0.07 | 0.03 | - | 0.03 | 0.07 | 0.04 | - | 0.1 | 0.06 | 0.03 | - | 0.1 | 0.06 | 0.03 | - | 0.1 | 0.06 | 0.03 | - | 0.1 | 0.07 | 0.03 | - | 0.09 | 0.06 | 0.03 | - | 0.1 | 0.07 | 0.03 | - | 0.11 | 0.07 | 0.04 | - | 0.11 | 0.07 | 0.04 | - | 0.09 | 0.06 | 0.03 | - | 0.08 | 0.06 | 0.03 | - | 0.08 | 0.05 | 0.02 |
ROE % |
-0.68 | 0.45 | 1.67 | 1.86 | 2.78 | 4.03 | 5.26 | 4.34 | 6.00 | 6.70 | 7.09 | 5.26 | 7.48 | 7.58 | 7.72 | 7.56 | 7.41 | 7.85 | 8.18 | 9.08 | 8.98 | 8.83 | 8.85 | 8.19 | 7.14 | 6.87 | 6.58 | 6.37 | 7.34 | 7.41 | 7.37 | 7.21 | 6.99 | 6.86 | 6.83 | 6.77 | 6.68 | 6.59 | 6.56 | 6.56 | 6.62 | 6.83 | 6.78 | 6.80 | 6.88 | 6.74 | 6.84 | 6.81 | 6.67 | 6.40 | 6.14 | 5.91 | 1.39 | 1.52 | 1.40 |
ROA % |
-0.08 | 0.05 | 0.19 | 0.21 | 0.32 | 0.47 | 0.62 | 0.51 | 0.71 | 0.80 | 0.84 | 0.62 | 0.88 | 0.89 | 0.91 | 0.88 | 0.86 | 0.92 | 0.95 | 1.06 | 1.04 | 1.02 | 1.02 | 0.94 | 0.82 | 0.80 | 0.78 | 0.77 | 0.89 | 0.90 | 0.90 | 0.88 | 0.85 | 0.83 | 0.83 | 0.84 | 0.84 | 0.84 | 0.84 | 0.85 | 0.86 | 0.90 | 0.91 | 0.93 | 0.95 | 0.94 | 0.95 | 0.95 | 0.93 | 0.89 | 0.87 | 0.84 | 0.20 | 0.23 | 0.20 |
Current Ratio |
1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.2 | 1.2 | 1.2 | 1.2 | 1.2 | 1.2 | 1.2 | 1.2 | 1.2 | 1.2 | 1.2 |
DSO |
1613.5 | 1367.6 | 1628.6 | - | 1487.8 | 1164.2 | 1450.9 | - | 1426.9 | 897.4 | 369.2 | - | 1156.0 | 967.1 | 532.1 | - | 789.2 | 935.5 | 967.1 | - | 903.4 | 507.6 | 961.4 | - | 926.9 | 836.6 | 973.3 | - | 884.7 | 746.2 | 679.2 | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
DPO |
417.9 | 411.6 | 399.5 | - | 427.6 | 413.5 | 393.7 | - | 369.4 | 370.9 | 367.2 | - | 478.4 | 462.8 | 474.2 | - | 420.4 | 400.3 | 363.4 | - | 386.0 | 379.2 | 376.7 | - | 361.4 | 407.3 | 412.3 | - | 423.4 | 437.7 | 416.1 | - | 442.2 | 412.4 | 407.4 | - | 453.3 | 485.3 | 455.9 | - | 370.1 | 374.9 | 383.0 | - | 418.4 | 404.8 | 375.0 | - | 388.6 | 383.4 | 388.3 | - | 293.7 | 347.8 | - |
Operating Cycle |
1613.5 | 1348.1 | - | - | 1487.8 | 1164.2 | 1450.9 | - | 1316.4 | 897.4 | 369.2 | - | 1156.0 | 967.1 | 532.1 | - | 751.6 | 1021.5 | 1058.4 | - | 883.0 | 497.1 | 955.7 | - | 921.9 | 850.3 | 981.9 | - | 932.8 | 804.8 | 706.1 | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Cash Conversion Cycle |
1195.6 | 905.5 | - | - | 1060.2 | 750.7 | 1057.2 | - | 940.7 | 526.5 | 1.9 | - | 677.6 | 504.3 | 57.9 | - | 252.8 | 514.9 | 639.0 | - | 506.6 | 130.2 | 583.5 | - | 545.2 | 462.7 | 580.0 | - | 466.9 | 313.4 | 260.5 | - | -403.1 | -403.8 | -407.3 | - | -410.6 | -453.7 | -440.9 | - | -407.1 | -415.1 | -408.6 | - | -410.7 | -435.7 | -400.2 | - | -403.8 | -416.6 | -404.2 | - | -346.0 | -379.4 | - |
Quarterly performance
Select metrics to display
All numbers in USD currency
Multiples are an important financial analysis tool for the company Territorial Bancorp , allowing investors and analysts to quickly assess the company’s value and investment attractiveness based on the ratio of market indicators to the company’s financial performance. Essentially, multiples express how the market values the company relative to its earnings, revenue, equity, or other key metrics.
Advantages of Using Financial Ratios- Simplified Data Analysis
Financial ratios transform large volumes of accounting data into compact and easily interpretable indicators, significantly simplifying the assessment of the company’s condition. - Comparability Between Companies
Multiples standardize financial metrics, enabling objective comparison of companies of different sizes, industries, and market capitalizations. - Identification of Trends and Issues
Regular analysis of ratios helps track the dynamics of financial health, identify strengths and weaknesses of the business, as well as potential risks. - Decision Support
Financial multiples serve as an important tool for investors, creditors, and company management in making investment, credit, and managerial decisions. - Accelerated Assessment of Investment Attractiveness
Ratios allow quick determination of key performance, liquidity, and financial stability indicators, facilitating prompt evaluation of companies’ attractiveness for investments.
Using multiples enables comparison between companies, even if they differ in size or industry, as they standardize financial data into ratios convenient for analysis. This is especially useful for evaluating companies where direct analysis of financial statements may be complex or require in-depth knowledge.
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